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  • {{title}}

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    • Vitality

    BUSINESS EXPENSES

    Priority Protection

    Entry Age (next birthday)

    16 years

    Expiry Age (policy anniversary prior to)

    65 years

    You can buy this via a

    Financial adviser

    WHAT IS THIS PRODUCT ABOUT?

    When you're self-employed, you don’t think twice about insuring business assets such as premises, stock, plant and equipment. But what about the most critical elements of your business – yourself and your financial commitments?

    Business Expenses insurance means that the fixed expenses of your business will still be paid even if you cannot work due to injury or sickness.

    Find an adviser form
    • DOWNLOAD THE PDS DOWNLOAD THE PDS
    • ELIGIBILITY ELIGIBILITY
      Business Expenses Eligibility
    • Share with a friend Share with a friend

    Angela's Story

    Angela's was covered when she needed it most.

    Angela's Story

    what does this provide?

    • TOTAL OR PARTIAL DISABLEMENT
      TOTAL OR PARTIAL DISABLEMENT

      Provides a monthly benefit for up to 12 months to keep your business running, should you become totally or partially disabled.

       

    • WAIVER OF PREMIUM
      WAIVER OF PREMIUM

      Should you become totally or partially disabled and receiving a claim payment, you will not need to pay premiums for the Business Expenses benefit.

       

    • BUSINESS EXPENSES COVERED
      BUSINESS EXPENSES COVERED

      These are some of the regular, normal operating expenses of your business covered under this benefit:

      • Accounting and audit fees
      • Regular advertising costs, postage, printing and stationery
      • Electricity, gas, heating, water, telephone and cleaning costs
      • Security costs
      • Rent, property rates and taxes
      • Membership fees, publications and subscriptions to professional bodies
      • Leasing costs of plant and equipment
      • Bank charges and interest on business loans
      • Business related insurance premiums but not including premiums for this policy
      • Salaries and other related costs (e.g. payroll tax, super contributions) for non-income generating employees of your business
      • Net costs associated with employing a locum

       

    insurance lingo explained

    What do we mean by waiting period?

    The number of days you must remain totally or partially disabled before a claim can be paid. You can choose a 14 or 30 day waiting period for Business Expenses cover.

    What do we mean by monthly benefit?

    This is a monthly claim payment.

    What do we mean by sum insured?

    This is the amount you are covered for. This is stated on your policy schedule.

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    • ELIGIBILITY ELIGIBILITY
      Business Expenses Eligibility
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    customise your cover

    INCORPORATED BUSINESS EXPENSES

    Designed for multiple business owners (i.e. partners or shareholders who are employed full-time in the business) who need to ensure the fixed expenses of their business will still be paid if they cannot work due to injury or sickness. There must be a minimum of 3 business owners in full-time employment (with a maximum of ten).
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    Copyright © 2021. AIA Group Limited and its subsidiaries or affiliates. All rights reserved. Priority Protection and Priority Protection for Platform Investors products are issued by AIA Australia Limited (ABN 79 004 837 861, AFSL 230043). AIA Vitality, a personalised, science-backed program that supports members every day to make healthier choices, is available with eligible products issued by AIA Australia. AIA Health with AIA Vitality is issued by AIA Health Insurance Pty Ltd ABN 32 611 323 034, a registered private health insurer governed by the Private Health Insurance Act 2207, Private Health Insurance Rules 2007 and the AIA Health Insurance Pty Ltd Fund Rules. The information on this website is current as at 14 January 2021 and may be subject to change. It is general information only and is not intended in any way to be financial, legal, tax, health, medical, nutritional or other advice. You should consider your own personal circumstances and needs and view the relevant product documents, fact sheets, fund rules and terms and conditions before making a decision to acquire such products. If necessary you should obtain professional advice from a financial, tax, medical or health professional. Unless expressly stated, any views or expressions of opinion (including any video content) do not represent the opinion of AIA.
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